The concept of capital adequacy has evolved from a point-in-time measurement for short-term solvency to a planning and risk management approach critical to managing the ongoing health of an organization. This shift requires thinking about capital management over a longer time horizon and in a more dynamic context. Examiners expect an organizations' business plans to be supported by a robust capital planning and management framework.
Promontory has the experience and resources to provide comprehensive expertise on capital planning and management. Our teams are composed of former leaders of major regulatory agencies, including the U.S. Treasury, Federal Reserve, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and Financial Services Authority (United Kingdom). Our teams also include former executives of top private-sector institutions such as Goldman Sachs, JP Morgan Chase, Smith Barney, HSBC, Bank of America, Wells Fargo, Citigroup, and others. Our experts’ deep knowledge of the industry allows for the development of bank improvement programs consistent with best-in-class capital management solutions.
Promontory’s Capital Planning and Analysis services fall into three broad areas of expertise: